Date Received: 2023-10-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX i downloaded an app with a free trial. I downloaded, signed up and canceled the app trial all within 5 minutes. I was then charged {$160.00} instead of receiving the free trial. The company of the app told me I need to have XXXX process the refund. XXXX denied the dispute so I went to my bank. My bank is telling me they have not received anything from XXXX and It doesnt not look like I will win. XXXX is telling me they have sent the notice to my bank to process the refund. As a result of this I have spent over a month trying to deal with it and XXXX refuses to release that proof to me or reach out to my bank. I will be more than happy to reorganize and send all the documents if wanted.
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: Wed, XX/XX/XXXX, XXXX Wire transfer happened at XXXX XXXX to PNC bank for US {$160000.00} which was later on next day proved out be a fraud transaction which victim was never aware of it. Thursday XX/XX/XXXX XXXX XXXX - Filed a complaint with XXXX XXXX - XXXX XXXX, CA about the fraud Wire transfer and also with PNC Bank in XXXX, CA and their customer service online around XXXX XXXX and same day filed complaint with local Police department Thursday XX/XX/XXXX XX/XX/XXXX Victim went to PNC Bank in XXXX, CA and informed he can sign any documents on letter head of PNC to get his money back and called PNC bank complaint center that he can indeed send email and verify his ID, Affidavit of support or any Stamp paper document listing that is his money and he even informed that he can mail the document of wire transfer to PNC as many times as he can so that he can be refunded money but PNC ignored to help customer and told him to work with his XXXX XXXX on any wire recall. XX/XX/XXXX - PNC requested for Hold Harmless letter ( HHL ) and never mentioned if they can recall the wire transfer. XX/XX/XXXX - Victim got the HHL Notarized provided to XXXX XXXX and sent to PNC so that they can hold the money. In between lot of times Victim tried to get Hold of XXXX and PNC bank for resolution no answer. The sad story even higher up people at XXXX XXXX or manager level were never aware of Hold harmless letter or letter of indemnification that PNC was looking for and sad to share that PNC indeed was bluntly ignoring all request made by XXXX employee who was working on my case. Question arises : Really bank employees did not know Hold harmless letter or letter of indemnification so how they are able to proceed with bank transactions in recalling them in case an organization makes any mistakes. Really want to share when big banks and institutions do wrong wire transfer, they are able to recover quickly and news comes in media right away about their success but when a victim like me loses money bank employees will come up with nice justifications that dont know the correct procedure to get the wire recalled from another institutions within USA . Also, Victim reached out to XXXX executive branch to help for this matter, The XXXX executive branch again waster 2-3 weeks and arrogantly stated that XXXX can not help victim with Hold harmless letter or letter of indemnification as he accounts has very less money XXXX can only provide that for account over {$1.00} Million in funds. Really that is how banks deal with their client on the basis of Discrimination of Account holder Deposit or savings. Finally, a local branch employee and her manager was able to help on this matter and it took too much time for him to work on this which XXXX executive branch refused to do. So, it clearly shows Higher up XXXX employees were running away from their duties to best deal with customer issues. Only US {$120000.00} PNC refunded after too many requests made by XXXX XXXX on XX/XX/XXXX back to victim account. Still PNC owe to victim - US {$40000.00} and after opening a investigation and claims case with PNC bank - As per them -- PNC is not liable for your loss, and we are therefore declining your request for reimbursement of the outstanding balance of the wired funds. If PNC was able to refund US {$120000.00} then why not US {$40000.00} and PNC never provided any clarification indeed requested if victim has attorney even the things are crystal clear After talking to PNC, they stated in conversation that victim have to submit fraud right away which victim did and then came up with the victim bank never provided HHL to which victim informed his bank did and then again PNC brought another question that it was not in correct format - victim informed that is duty of bank to work together if fraud is being reported to police, FBI and all banks. Then they stated the account in PNC was in fact the legitimate account as victim got report from Police department where it is mentioned the account holder name of Fraud account and when victim informed PNC about same PNC personnel stated that victim is provided wrong information which is provided to him by police department. Finally, victim called police department to get in touch with PNC and indeed police department called back to victim stating that PNC personnel who informed the victim that police report is wrong indeed had word with police department and reason she gave is she lied because if she would have told truth to victim, victim will sue bank, demand money and open fraud case against bank that bank never took any measures carefully to open the account. In the police report it is mentioned that after 34 days there was a withdrawal of US {$32000.00} and US {$2000.00} which comes out to be total of US {$34000.00} around on XX/XX/XXXX. Also the police report mentioned clearly after investigating that the account opened in PNC was a forged account that was opened using someone else identity and the person whose identity was used to open account already informed in interrogation by police department that he never opened any account in PNC bank under his name and he is not aware of any account and never did any transactions in that account .From the report it clearly states that PNC kept frozen wired money in fraud account for almost 34 days but never informed XXXX XXXX and victim and even the fraud was reported within 48 hrs. to XXXX XXXX, PNC Bank, Police department. Even when victim checked with PNC personnel never even let victim ask some questions as if PNC was able to refund the other amount XXXX and they would have frozen other amount US {$40000.00} and refunded that amount that. PNC personnel was giving all the nice excuses and justification defending the PNC fault. So, the total amount for Wire transfer was US {$160000.00}. Only US {$120000.00} was refunded after too many requests made by XXXX XXXX Since there were 2 transactions made by a forged person from PNC of US {$32000.00} and US {$2000.00} which comes out to be total of US {$34000.00}. Not sure where the leftover money went to of US {$6700.00} and no information of this was provided to police department by PNC bank and never provided to myself and my XXXX XXXX by PNC Bank. Even requesting to PNC personnel and explained that the matter is crystal clear with all the complaints involved - PNC personnel outrightly informed victim that she is the one to make a decision and she is at very higher up level who already made decision and denies about the payment of claim or refund to victim. Finally, she said if victim wants to talk to her manager higher level to have conversation - Victim agreed and still PNC personnel stated it is her power to make any decision and even if Victim tried to talk to her manager, it will never work out and victim will never be compensated for any money loss. So, in total I am still at a loss of US {$40000.00}.
Company Response:
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dispute of Incorrect Charge on Credit Card I hope this letter finds you in good health. I am writing to bring a matter of concern to your attention regarding an erroneous charge on my credit card statement. I would like to request your prompt assistance in rectifying the issue as soon as possible. Upon reviewing my recent credit card statement for the month of XXXX, I noticed a charge that appears to be incorrect. The specific transaction in question is described as follows : Date of Transaction : XX/XX/2022 Transaction Amount : XXXX Description : fake agency of any airline charges, my credit card without my consent. I wish to clarify that I have not engaged in any business with the aforementioned merchant on the mentioned date. It seems to be an error or a possible case of fraudulent activity. Therefore, I kindly request a thorough investigation into this matter and urge the bank to take immediate action to reverse the charge. To assist you in resolving this issue effectively, I have enclosed a copy of my credit card statement highlighting the incorrect charge. Furthermore, I have included any supporting evidence or documents, such as receipts or any relevant communication with the merchant, that could aid in the investigation. I emphasize the urgency of this matter as it affects my overall financial stability and trust in my bank account.
Company Response:
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I did a bank transfer online from my checking account to my credit card account with PNC bank on XX/XX/2023 for {$200.00}. Upon completion my online transaction was complete and had posted. I checked my account a few days later the payment was not there as if it were never made. I contacted PNC by phone. I was told that on their end no payment was posted. I told them repeatedly that it was there. I did not write the transaction number down nor did I make a copy. I should have since I have had numerous issues with this institution. I was told it would be sent to the resolution department that handles online transactions only. Finally I heard from XXXX after several missed attempts to reach back her number XXXX. I explained what happened again. I was told that I was assigned a case XXXX XXXX her number XXXX. I never did speak with her. She never returned any of my calls. I left numerous messages. Finally after several days I spoke with XXXX XXXX XXXX. Explained my issue again. I was told that there was no transaction made and that no payment had been made since XXXX of 2023. I said that is not true. I made a {$200.00} payment XX/XX/2023. I did contact the BBB. No resolution there because the bank refused to come to an agreement. The BBB did give me the contact information for XXXX of the Comptroller of the Currency. Put my complaint in with them. I received notice from them stating that my complaint could not be handled by them. I was given your contact information to put in my complaint. I have been trying to resolve this since XXXX of 2023. I want PNC to waive this {$200.00} minus late fees that are piling up. At this point my account is almost {$3000.00} in the negative. I have not made a payment toward this account until it is resolved. I want PNC to close my credit card account with them. I will agree to pay {$1000.00}. in installments. I pray you can be of some assistance. Thank you.
Company Response:
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XX/XX/2023, my husband and I met with XXXX XXXX from PNC Bank located at XXXX XXXX XXXX, XXXX, MD XXXX at XXXXXX/XX/XXXX. We inquired and submitted a loan application for a personal loan in the amount of {$8000.00} and wanted to increase my husband 's credit score, thereby, asking for the loan to be in my husband 's name as the primary borrower and myself as the secondary borrower since I had great credit. The loan was denied based on my husband 's credit score. We met with XXXX XXXX again on XX/XX/XXXX at XXXX and completed another application with myself as the primary and my husband as the secondary borrower and the loan was denied due to my husband 's credit score which baffled us. Prior to XX/XX/XXXX, I applied a third time for the loan by myself and it was denied due to too many inquiries from PNC, which baffled my husband and I again. XXXX XXXX contacted the underwriter department to ask for an explanation of the denial and he persuaded their decision, and it was reversed. On XX/XX/XXXX, I met with XXXX to pick up the check in the amount of {$8000.00}. I noticed the interest rate was 17.135 % and asked for an explanation. XXXX gave me the phone number to the consumer loans underwriter department, and I called them on XX/XX/XXXX regarding the explanation of the interest rate. I was given the complaint # XXXX and was told someone will call me back in a few days. PNC called me on XX/XX/XXXX and XX/XX/XXXX regarding my concern and I was told that loan rates are applied based on zip codes as well as the computer algorithm decides the rates for the customer. I questioned both procedures and didn't get an answer. I was finally informed that PNC don't have the personnel to review and approve all the loans, thereby, the computer assists in that area. I strongly believe the loan rate should be around 9 - 13 % based on my credit score of XXXX and not a predatory rate of 17.135 %. I asked for a follow-up call regarding this issue and haven't heard back from PNC. Also, I noticed on my Credit Monitoring report that the PNC {$8000.00} loan has increased to {$8000.00}, which is false.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Subject : Request for Arbitration - Acceptance of Source Data and Signature and Account Closure. I, XXXX XXXX XXXX, hereby submit this arbitration request in accordance with the arbitration clause outlined in the agreement with PNC NA. This request is related to the acceptance of source data and signature valued at XXXX XXXX XXXX USD and the certificate of deposit valued at XXXX XXXX XXXX USD. Details of the Dispute : 1. The Parties : Claimant : XXXX XXXX XXXX XXXX : PNC NA 2. Agreement Reference : The arbitration clause is contained within the agreement between the Claimant and Respondent, which governs the acceptance of source data and signature. 3. Nature of the Dispute : The dispute arises from the alleged failure of PNC NA to accept the provided source data and signature, which is valued at XXXX XXXX XXXX USD. Additionally, PNC NA has failed to recognize the certificate of deposit valued at XXXX XXXX XXXX USD. 4. Efforts to Resolve the Dispute : The Claimant has made multiple attempts to resolve the dispute through direct communication with PNC NA, but all attempts have been unsuccessful. 5. Relief Sought : The Claimant seeks the following relief : - Acceptance of the provided source data and signature valued at XXXX XXXX XXXX USD and account re-established. - Acknowledgment and recognition of the certificate of deposit valued at XXXX XXXX XXXX USD. 6. Applicable Arbitration Clause : The arbitration clause in the agreement between the Claimant and Respondent states that any disputes arising from the agreement shall be resolved through binding arbitration. 7. Arbitration Proceedings : The Claimant hereby requests the initiation of arbitration proceedings to resolve this dispute of account closure and accounting error in accordance with the terms of the arbitration clause. Please confirm your acceptance of this arbitration request and provide information regarding the designated arbitration forum within 15 days as per the CFPB response requirements. Thank you for your prompt attention to this matter. I look forward to a timely resolution.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have been living in the XXXX for the past XXXX weeks and I aim to spend another XXXX here. rying I have been trying to withdraw euros with my PNC virtual wallet debit card, but I find the atm fees to be prohibitively expensive ( usually anywhere from XXXX euros ). I haven't authorized any charges to my debit card from atms. I have not checked my balance on an atm or withdrawn any money from an atm and refused all fees when attempting to withdraw euros. After checking a few atms over the past week I have noticed XXXX {$5.00} charges from my bank labeled " INTL Balance Inquiry ''. Both are dated XX/XX/2023. I hadn't authorized those fees, much less checked my balance on an atm ( why bother when I can do it on my phone for free ). I can't dispute the charges until after they post on my account. I am almost certain they will refuse to refund me, but I will still file a dispute with PNC. I am very sure this anti-consumer practice is very very very widespread though, considering how profitable it must be for the banks. It is like going to the store, asking how much an item is, and them charging you {$5.00} to ask the question. There was no indication on the atms I was approving the fees, to make no mention of the fact that I didn't check my balance on them in the first place.
Company Response:
State: PA
Zip: 15206
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Problem statement : A PNC ATM malfunctioned and failed to return {$2000.00} when I was attempting to deposit {$7000.00}. This occurred over two attempted deposits that were ultimately canceled, each failing to return {$1000.00}. The bank failed to return my money and admitted no fault despite abundant evidence of a malfunctioning ATM ; they also failed to properly investigate the incident, indicating a pattern of poor record keeping practices and a lack of oversight. Facts : 1 ) [ XX/XX/2023 ] I went to a PNC XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) on Monday XX/XX/XXXX to deposit {$7000.00}. This was a gift from my parents for my daughters future education, so I knew that the amount was precisely {$7000.00}. 2 ) When I told the PNC staff I needed to make a deposit, they said there were no tellers. They pointed me towards an ATM to do it by myself and left. 3 ) The ATM told me my debit card was expired, so I asked a worker for help and they said I can deposit using an account number. I used my account number to try to make my deposit in the ATM. 4 ) [ XXXX ] I followed the prompts on the machine and put all {$7000.00} into the ATM machine, but it repeatedly did not accept all my bills at once. It spit some back out at me and I tried to put it all in again several times. Ultimately, I was frustrated with the process and unsure what was going on so I canceled the transaction. However, when I counted all of the money the machine returned to me after canceling the transaction, it was only {$6000.00}. This was right around XXXX. 5 ) [ XXXX ] At this point I was flustered and confirmed with my parents and husband that it was {$7000.00}. I told a worker there that the machine had an issue. They told me there was a private money counting room. I went there to double count the money and confirmed it was only {$6000.00}. At this point, I tried again. The same process happened a second time where bills were not being accepted and I ultimately canceled the transaction. This time I was only returned {$5000.00}. Since these were both canceled transactions, I don't have any document proof detailing these transactions. This was around XXXX. 6 ) Then I searched for help. I found someone in one of the offices and told her what happened. She said she can help to recount the money. We counted together and confirmed it was now {$5000.00}. Then she told me that her branch was using a new program where there were no in-person tellers and that the ATM that I used could connect to a virtual teller. Then she walked me over to the ATM and helped me to connect with a virtual teller. XXXX ) This teller walked me through depositing the rest of my money. I followed the tellers instructions and put in my money in increments. However, each time some amount was returned by the machine. It happened so many times it is hard to remember how many times my money was returned and in what amounts, forcing me to re-deposit. I was ultimately able to deposit {$1900.00}, {$1700.00}, and {$1100.00} through this process. With the last {$200.00}, I tried to deposit it multiple times and only got it to accept {$50.00} ultimately. The teller, seeing that the machine likely would not accept the rest of the money, told me to stop trying to deposit the final {$150.00}, so in the end I deposited only {$4800.00} of the {$5000.00}. This gave me even more confidence that the ATM was malfunctioning. XXXX ) At the bank I filed a complaint detailing the above. When I returned home, I called the complaints office and the initial complaint had incorrectly stated the facts. She helped me to withdraw that initial complaint and file a new one. XXXX ) [ XX/XX/XXXX ] XXXX XX/XX/XXXX, I received confirmation dated XX/XX/XXXX that the original complaint was withdrawn. XXXX ) [ XX/XX/XXXX ] Later, we received a letter dated XX/XX/XXXX, nearly 2 months later, indicating Your transaction ( s ) dispute has been resolved. During our review of your account and the documentation available to us, we determined no error occurred and that the transaction ( s ) was processed as instructed ( reference : XXXX ). PNC did not return my lost {$2000.00}. 11 ) [ Week of XX/XX/XXXX ] The confirmation letter had a customer service number indicating that they would provide all evidence that they relied on in making their determination. On XX/XX/XXXX or XXXX, after spending multiple hours on hold waiting to talk with a representative, the customer service agent told me they knew nothing about the case and could not access any of the case details. They tried to contact the disputes department for me, but could not reach anyone. They told me they left a message and I would hear back within 24-48 hours. I never heard from them again.
Company Response:
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Closing on a mortgage
Subissue: Closing disclosure or other related disclosures
Consumer Complaint: Closing date of XX/XX/23 was ignored by XXXX XXXX, XXXX XXXX with PNC Bank. Conflicting info has been given and deadlines per contract for Loan Commitment were not met. XXXX XXXX PNC Bank Mortgage XXXX XXXXXXXX XXXX ID XXXX ( cell ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Locator # XXXX PNC Bank Cell : XXXX
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 my debit card information was used fraudulently to pay for a hotel room. The charge was for {$460.00}. I filed a dispute. Was issued a provisional credit for the amount. Now the bank has reversed the credit, and tell me to contact the merchant. The merchant is telling me to contact the bank.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A